Credit Card Comparison Tables

Balance Transfer | Best Credit Card

Balance Transfer

	Card	RepresentiveApr	BT Fee	BT Duration	Interest Free days
	Virgin Credit Card	16.80%	2.99%	20 Months	50 Days
	NatWest Platinum	17.90%	2.90%	20 Months	56 Days
	Royal Bank of Scotland Platinum	17.90%	2.90%	20 Months	56 Days
	HSBC Credit Card	17.90%	3.30%	23 Months	56 Days
	Bank of Scotland Plus	16.90%	3.00%	18 Months	59 Days
	Halifax Balance Transfer Credit Card	17.90%	3.50%	22 Months	Days
	Barclaycard Platinum Credit Card with Extended Balance Transfer	17.90%	2.90%	22 Months	56 Days
	Barclaycard Platinum Credit Card with Balance Transfer	17.90%	2.60%	21 Months	56 Days
	Halifax 20 Month Balance Transfer Credit Card	16.90%	3.00%	20 Months	Days
	Barclaycard Platinum with Longest Balance Transfer	17.90%	3.20%	24 Months	56 Days

Balance Transfer and Purchase

	Card	RepresentiveApr	BT Duration	BT Fee	Interest Free Days
	Barclaycard Platinum with Purchase	18.90%	14 Months	2.90%	56 Days
	AA Rewards Credit Card	16.90%	12 Months	3.00%	50 Days
	Sainsbury's Credit Card	16.90%	12 Months	3.00%	56 Days
	Halifax All In One	17.90%	15 Months	3.00%	Days
	Bank of Scotland All In One	17.90%	12 Months	3.00%	Days
	NatWest YourPoints World MasterCard	17.90%	13 Months	2.90%	56 Days
	Virgin Credit Card	18.90%	13 Months	2.89%	50 Days
	Royal Bank of Scotland YourPoints World MasterCard	17.90%	13 Months	2.90%	56 Days
	Nationwide Building Society Select Card	12.90%	17 Months	2.95%	56 Days

Purchase

	Card	RepresentiveApr	PurchaseRateDuration	Interest Free days
	Halifax All In One	17.90%	15 Months	Days
	Barclaycard Platinum with Purchase	18.90%	14 Months	56 Days
	Creation Purchase Credit Card	17.90%	13 Months	50 Days
	NatWest YourPoints World MasterCard	17.90%	13 Months	56 Days
	Virgin Credit Card	18.90%	13 Months	50 Days
	Marks & Spencer Credit Card	15.90%	15 Months	55 Days
	Royal Bank of Scotland YourPoints World MasterCard	17.90%	13 Months	56 Days
	British Airways American Express Premium Plus Card	50.10%	18 Months	56 Days
	Nationwide Building Society Select Card	12.90%	18 Months	56 Days

Low Standard Rate

	Card	RepresentiveApr	Interest Free days
	Barclaycard Platinum Simplicity	7.90%	56 Days
	Capital One Click Card	9.90%	56 Days
	Sainsbury's Low Rate Credit Card	6.90%	Days

Low Credit

	Card	RepresentiveApr	Interest Free Days
	Barclaycard Initial	29.90%	56 Days
	Capital One Classic	34.90%	56 Days
	Vanquis Bank Credit Card	39.90%	56 Days
	Aqua Credit Card	35.90%	Days

Reward

	Card	RepresentiveApr	Loyalty Rewards
	American Express Platinum Cashback	18.50%	This card offers an introductory bonus of double cashback for your first 3 months, up to a maximum of £100. You will then receive a simple 1.25% flat rate on every full £1 spent per purchase. Spend more than £10,000 on your card in the preceding 12 months and receive an engagement bonus of double cashback every year on the 13th month of your card anniversary.
	Virgin Atlantic White Card	17.90%	Receive 3,000 Flying Club miles when you make your first purchase within 90 days of your account opening. You’ll also earn 1 mile for every full £1 spent on the American Express card and 1 mile for every £2 you spend on the Visa card. There are double Flying Club miles on Virgin Atlantic or Virgin Holidays and companion reward flights available when you spend over £15,000 on the American Express card in a year. There is no annual fee with this card.
	Sainsbury's Nectar Credit Card	16.90%	Every time you shop at Sainsbury’s with your Sainsbury's Credit Card they will give you 2 Nectar points for every £1 you spend in the first 2 years (available to new customers only). You can build up Nectar points when you use your Sainsbury’s Credit Card elsewhere too earning 1 point for each £5 you spend.
	NatWest YourPoints World MasterCard	17.90%	INTRODUCTORY OFFER – 2,500 bonus points for all new customers. Earn 1 point for every £1 you spend whenever you use your card. Exchange your points through NatWest’s travel partners easyJet and ebookers.com or earn vouchers for top brands like M&S, Amazon.co.uk and Boots.
	Marks & Spencer Credit Card	15.90%	With M&S Rewards you'll receive points every time you shop with your card - you get 1 point for every £1 spend in M&S and 1 point for every £2 you spend elsewhere. Once points mount up you can treat yourself to anything you like in store. You can also buy M&S Travel Money with no cash advance or foreign exchange fees.
	American Express British Airways	19.90%	Receive 9,000 Avios when you spend £1,000 in the first 3 months. Collect 1 Avios for virtually every £1 spent. Spend £20,000 on your card in any given year and receive a companion ticket when you redeem your Avios for a British Airways flight. There is no annual fee with this card.
	American Express Nectar Credit Card	19.90%	Receive 5,000 Nectar bonus points when you spend £500 within the first 3 months, 2 Nectar points per £1 spent at Nectar partners, 1 Nectar point per £1 spent everywhere else. Receive 500 MorePoints for every £500 spent on the Nectar Credit Card in every calendar month.
	Lloyds TSB Duo Avios Credit Card	15.90%	If you apply before 1st March 2012 you will get an exclusive online bonus of 2,000 Avios if you spend at least £500 each month for the first 3 months. Collect 1 Avios for almost every £1 spent on the Lloyds TSB Duo Avios American Express Card and 1 Avios for every £5 spent on the Lloyds TSB Duo Avios MasterCard. You will collect double Avios on your spend abroad. You will receive 1,500 extra Avios for every whole £1,000 you transfer to the card from a single provider.
	Nationwide Building Society Select Card	12.90%	You will receive 0.5% unlimited cashback on all sterling purchases.

Cashback

	Card	RepresentiveApr	Cashback
	American Express Platinum Cashback	18.50%	This card offers the HIGHEST ongoing and uncapped cashback rate available across virtually all purchases, regardless of spend level. The card has a 2.5% introductory cashback offer, up to a maximum of £100. Spend more than £10,000 on your card in the preceding 12 months and receive an anniversary bonus of double cashback every year on the 13th month of your card membership.
	Capital One World MasterCard	19.90%	The most cashback you can claim during the introductory period is £100, so if you spend £2,000 on the card in the first three months, you will have reached the maximum. After this, if you spend £5,999.99 or less, you will earn 0.5% cashback, rising to 1% if you spend between £6,000 and £9,999. Anyone spending over £10,000 will earn 1.25% on anything they spend above that threshold. These rates are applicable until you reach the anniversary of your account opening when you will begin earning cash back at 0.5% until you pass each purchase threshold again.
	AA Rewards Credit Card	16.90%	Earn AA Rewards Points every time you spend, and double on fuel or motoring purchases. Redeem your points by choosing from a range of products including cash back. Cash back will be paid back onto your AA Credit Card. Points value varies depending on your choice of redemption item – you can make your points go further by redeeming points on shopping vouchers or AA products.
	Santander 123 Cashback Credit Card	22.80%	This card offers 3% cashback on fuel spending (capped at £300 spend per month), 2% cashback on department store spending and 1% cashback on supermarket spending.
	Creation Cashback Card	18.90%	This card offers 1.5% cashback on all petrol and supermarket spend and 0.5% on all other retail transactions. There is a limit of £200 cashback you can earn each year.
	Nationwide Building Society Select Card	12.90%	You will receive 0.5% unlimited cashback on all sterling purchases.
	Capital One Business Card	16.90%	The most cashback you can claim during the introductory period is £100, so if you spend £2,000 on the card in the first three months, you will have reached the maximum. After this, if you spend £5,999.99 or less, you will earn 0.5% cashback, rising to 1% if you spend between £6,000 and £9,999.99. Anyone spending over £10,000 will earn 1.25% on anything they spend above that threshold. These rates are applicable until you reach the anniversary of your account opening when you will begin earning cash back at 0.5% until you pass each purchase threshold again.